What is a loss assessor & What is a loss adjuster ?

– What is a loss assessor ?

A Public Loss Assessor PLA or Public Insurance Claims Assessor must be registered and regulated by the Central Bank of Ireland

The Role of The Public Loss Assessor or Claims Assessor

Your loss Assessor/Claims assessor will handle all aspects of the claims process, meeting with the Insurance companies’ representatives, the Loss Adjuster or any other professional appointed by them, preparing your claim and negotiating the best possible settlement for you. The loss assessor will also handle cases where liability for your claim has been refused by insurers, or where problems have arisen regarding policy liability or delays. You are entitled under the E. U. Communities (Insurance Mediation) Regulations 2005 to appoint your own independent representation – such as a loss assessor.

– What is a loss adjuster ?

The Role of The Loss Adjuster or Claims Adjuster

A Loss Adjuster PLA or Insurance Claims Adjuster must be registered and regulated and may handle claims for a number of different insurance companies or under writers. Loss adjusters in Ireland are members of at least one or all of the following:

Chartered Institute of Loss Adjusters

Chartered Insurance Institute

Insurance Institute of Ireland

An insurance claim can be a devastating event for a business organisation or property owner. Your insurers will appoint a loss adjuster to represent them in all negotiations and establish if insurers have a liability for your claim. Your insurance company are entitled to their own independent representation – such as a loss adjuster or in some cases an ‘in house’ claims adjuster. Their sole purpose is to ensure all criteria in your insurance policy has been provided correctly at the time the policy was taken out.

Loss adjuster activities / loss adjusters role:

Visiting the policyholder to discuss the circumstances of the claim.
Preparing reports for the insurance company.

Checking that the loss or damage falls within the terms of the insurance policy.
Checking the amounts being claimed are fair and reasonable.

Advising how home security or safety could be improved to avoid a further incident.

Make sure the answers given to get your policy quote were truthful and haven’t changed since your cover was provided -Keep your policy info. & level of cover up to date or risk having your claim denied on the back of a silly error or honest omission! ) – Call our policy advice & claim helpline for further advice in this area: